Long Term Care FAQS

Find answers to common questions about the FLTCIP.

General

No, your LTCFEDS account login will not work on BENEFEDS.com. Your BENEFEDS User ID and password are unique to the BENEFEDS system, which you set when you create your BENEFEDS account.

If you are enrolled in or in the application process for the FLTCIP, your FLTCIP premium information should show on your My BENEFEDS dashboard within one business day after creating your BENEFEDS account (and your application is approved). "Not Enrolled" means we are in the process of receiving your enrollment information from the FLTCIP.

If it has been more than one business day, call BENEFEDS customer service at 1-877-888-FEDS (1-877-888-3337) TTY 1-877-889-5680.

If you are paying premium on behalf of a FLTCIP enrollee, you may not be able to view your payment information on your My BENEFEDS dashboard. We would gladly assist with questions you may have on your payment history through our call center.

If you are enrolled in the FLTCIP and want to see your premium information on your My BENEFEDS dashboard, you can either log in or create a BENEFEDS account (if you haven't already).

You may already have an account if you are currently enrolled in the FEDVIP.

There are certain times when your FLTCIP enrollment information may be unavailable on your My BENEFEDS dashboard, such as when the FLTCIP performs regular maintenance, which generally happens overnight (when applicable).

Your FLTCIP enrollment information will be available as soon as the regular maintenance is complete.

BENEFEDS administers the premium payment processes for the FLTCIP, but the application process, plan management, coverage and claims processes are administered by Long Term Care Partners (LTCP).

It is important that you update your residential and mailing address information with both BENEFEDS and LTCP to ensure your information is accurate with both organizations.

All inquiries must go to Long Term Care Partners, the administrator of the FLTCIP program. You can call the FLTCIP customer service department at 1-800-LTC-FEDS (1-800-582-3337) TTY 1-800-843-3557, or email us at www.ltcfeds.com.

If you currently pay your premiums through payroll deduction and retire, in most cases, you don't need to do anything to begin paying your FLTCIP premiums through your annuity.

Billing and payments

The FLTCIP offers enrollees the option to make secure direct bill premium payments online or by mail.

Pay online
The option to make a one-time payment online is only available on the desktop version of BENEFEDS.com to users who pay their premiums through direct bill.

If you are a new enrollee or change to direct bill from another billing method, you will not be able to make a payment online until after the effective date of your billing change.

To pay your direct bill online, log into your My BENEFEDS account and select "Make One-Time Payment".

Pay by mail
You can also mail a check made payable to the Federal Long Term Care Insurance Program along with the remittance portion of your bill with your account number to:

Long Term Care Partners, LLC
P.O. Box 981079
Boston, MA 02298-1079

If you currently pay your premiums by direct bill and want to change your payment method to automatic bank withdrawal (ABW), you can do so online by logging in and selecting "Set Recurring Payments" from your My BENEFEDS dashboard.

For all other payment method changes, you must complete the billing change form. The completed billing change form can be faxed to 603-430-6479 or mailed to:

Long Term Care Partners, LLC
P.O. Box 797
Greenland, NH 03840-0797

Payroll or annuity/pension deduction: We deduct premiums from each payroll or annuity/pension payment you receive.

Automatic Bank Withdrawal (ABW): It will be reflected in your bank account between the 3rd and 5th business day of every month.

Direct bill: We mail bills by the second Friday of each month. Allow 7-10 business days to receive your bill, depending on your location. Your premium is always due on the first of the following month.

If no payment is received for two consecutive months a termination warning letter is mailed to you and the person you designated as your Protection Against Unintended Lapse (if applicable). If no payment is received within 35 days from the date on this letter, your coverage is terminated retroactively to the last date in which your premiums were paid. If you still wish to have coverage after this occurs, you need to follow the reinstatement procedures described in your Benefit Booklet.

After an account is terminated for non-payment we do not attempt to collect the outstanding amount due at the time of termination. However, if you wish to reinstate and continue with your coverage, you will be expected to pay your back premiums to date.

Payroll or annuity/pension deduction: If we are unable to deduct premium payments from your pay or annuity/pension, after three missed payroll deductions or two missed annuity/pension deductions we will change your payment option to direct bill.

Automatic Bank Withdrawal (ABW): If we are unable to withdraw your premium payment from your bank account, we will attempt one more withdrawal the following month. If the second attempt is rejected we will change your payment option to direct bill.

Direct bill: If you miss a premium payment, the grace period is 30 days. If the payment is received after the bill for the next month has already generated then it will not reflect as paid on the billing statement for the current month.

Protection Against Unintended Lapse
Protection Against Unintended Lapse allows you to specify a third party to notify when your account is about to terminate for non-payment. This third party can be a friend, spouse or whomever you trust to appoint.

The purpose is to give you every opportunity to be notified of the impending lapse in coverage and to make a payment before termination. We strongly recommend you take advantage of this protection.

As a current enrollee, you had the opportunity to designate a third party as your Protection Against Unintended Lapse on the application you submitted for coverage under the FLTCIP. If you would like to change the person you originally designated or if you elected not to designate someone and would like to do so now, call BENEFEDS customer service at 1-877-888-FEDS (1-877-888-3337) TTY 1-877-889-5680.

Paying for coverage

You have three options for paying your FLTCIP premiums:

  • Payroll or annuity/pension deduction
  • Automatic bank withdrawal (ABW)
  • Direct bill

If you are a Federal employee or retiree, you may also pay premiums for any of your qualified relatives who apply and are approved for coverage, even if you do not apply or you apply and are denied coverage.

The FLTCIP also offers enrollees the option to make online direct bill payments.

Payroll or Annuity/Pension Deduction
Premiums are automatically deducted from your pay or annuity/pension. Most employees, retirees and active and retired members of the uniformed services choose this method of payment.

Automatic Bank Withdrawal (ABW)
Premiums are automatically withdrawn from your checking or savings account. The withdrawal is reflected in your bank account between the third and fifth business day of every month. You will never miss a payment with this convenient and secure method for premium payment.

Direct Bill
You will receive a bill at your designated mailing address during the month before your premium is due. You can pay more than one month's premium at any time. Some enrollees decide to pay their premiums on a semi-annual or annual basis.

The FLTCIP also offers enrollees the option to make online direct bill payments.

BENEFEDS is the administrator of premium payment processes for the FLTCIP, so any questions related to FLTCIP premiums should be directed to BENEFEDS.

There are many payroll/annuity providers across the Federal government that administer payroll/annuity processing. We need your payroll/annuity office identifier in order to map you to the appropriate provider to successfully take deductions for your coverage.

On your application or billing change form, you will need to provide your payroll/annuity office identifier if you want to pay premiums by payroll or annuity deduction. To find your office identifier, go to the Payroll/Annuity Office Identifier Tool located on the FLTCIP website. In order to look up your proper identifier, you will need to know the name of your agency or the office that pays your annuity.

If your payroll is serviced by the National Finance Center (NFC), you may also find your payroll office identifier on your Statement of Earnings and Leave.

If you can't find your agency using the Payroll/Annuity Office Identifier Tool then your agency may not support deductions. You can still pay your premiums through automatic bank withdrawal (ABW) or by direct bill.

You can also call BENEFEDS customer service at 1-877-888-FEDS (1-877-888-3337) TTY 1-877-889-5680 for assistance.

At this time, eligible District of Columbia employees can't have premiums deducted from their pay.

However, eligible District of Columbia retirees may have premiums deducted from their annuity. They will be asked to provide an annuity office identifier and their CSA/CSF number on their application or billing change form. The annuity office identifier for eligible District of Columbia retirees is 24900002.

Your first deduction should be taken from the paycheck that covers the first full pay period that begins on or after your coverage effective date. For many employees this means that you may not actually see the premiums deducted from your pay until several weeks after your coverage has gone into effect.

Example:
A February 1st effective date may be in the middle of a pay period. Premium deductions will begin during the next full pay period and show up in your check following that pay period.

If you have not seen a deduction after two full pay periods, call BENEFEDS customer service at 1-877-888-FEDS (1-877-888-3337) TTY 1-877-889-5680 for assistance.

Your first deduction will be taken from the annuity check that pays you for the month in which your coverage begins. Since your annuity is paid in arrears, your premiums won't be deducted until the month after your coverage effective date.

Example:
If you have a February 1st effective date, your first deduction will be taken from the check you receive in March, since that check covers your February payment. Your coverage would still be effective on February 1st.

Note: If you are retiring under CSRS or FERS, FLTCIP premiums can't be deducted from your annuity while you are receiving interim payments (sometimes called "special pay"). This means that until OPM finalizes your annuity, we can't take deductions from your annuity to pay your premiums. While you are receiving interim payments, you may pay your premiums either by automatic bank withdrawal or by direct bill. Once your annuity is finalized, we will begin deductions from your annuity.

Yes, employees and retirees may authorize deductions from their pay/annuity for a qualified relative's FLTCIP coverage at any time as long as both parties agree to the arrangement. The employee or retiree does not need to be enrolled in the FLTCIP but they must provide their authorization and signature on the qualified relative's application or on the billing change form.

If you need assistance authorizing deductions for a qualified relative's coverage, call BENEFEDS customer service at 1-877-888-FEDS (1-877-888-3337) TTY 1-877-889-5680.

Premiums are waived if you are eligible for benefits and:

  • You have satisfied your waiting period, or
  • You are receiving hospice care (waiting period does not apply to hospice care)

If you satisfy the requirements for waiver of premium on the first day of a month, the waiver will take effect on that date. Otherwise, the waiver will take effect on the first day of the following month. If, at a later date, you are no longer eligible for benefits (e.g. you recover) and wish to maintain your coverage, you will have to resume paying premiums.

No, the FLTCIP does not offer paid-up benefits. If you stop paying premiums and you're not in an approved claim status, your coverage will end. However, a limited paid benefit may be available to you if you lapse your coverage due to a substantial premium increase.

Refer to the Consumer Protections FAQs.

Within 30 days after you receive your Benefit Booklet from Long Term Care Partners (which you will get automatically if your application is approved), you may cancel your coverage and you will receive a full refund of any premium you may have already paid for the coverage. This is called a "30 day free look".

You may cancel your coverage any time after that 30 day period, but you would not receive a full refund of your premiums. You would receive a refund of any premium that you paid to cover any period after the effective date of your cancellation.

In some cases, yes. If you transfer to a new agency within the same agency payroll office then we will most likely receive a notification of your transfer and be able to make the change for you.

If you transfer to an agency outside of your previous agency payroll office, call BENEFEDS customer service at 1-877-888-FEDS (1-877-888-3337) TTY 1-877-889-5680 to continue payroll deduction of your premiums. We will work with your new agency location to set up payroll deductions with them.

Depending on when we learn of your transfer, we may not be able to change your payroll deductions in time for your first paycheck at the new location. If this is the case, you may receive a direct bill for the premiums due that were not collected.

If you are a FLTCIP enrollee and have questions regarding your premium payments, call BENEFEDS customer service at 1-877-888-FEDS (1-877-888-3337) TTY 1-877-889-5680.